Foreigner & Expat Take-Home Pay Calculator
See your real monthly take-home pay in Singapore as a foreigner, PR or citizen. Foreigners pay no CPF, and your tax depends on whether you're a tax resident — this gets both right.
Foreigners on EP / S Pass / Work Permit don't pay CPF.
Non-residents are taxed at the higher of 15% flat or resident rates.
Affects the CPF rate for PRs and Citizens only.
Monthly take-home pay
$7,577
$90,925 per year · taxed on the resident basis
CPF (monthly)
None
Foreigners pay no CPF
Income tax (monthly)
$423
Effective tax rate
5.3%
Estimates only. Tax residency depends on your days in Singapore and employment pattern (the 183-day rule is a guide). PRs contribute CPF at graduated rates in their first two years — this uses full rates. Verify with IRAS and the CPF Board.
Take-home pay for foreigners is different
Most salary calculators assume CPF is deducted — but if you're a foreigner on an Employment Pass, S Pass or Work Permit, you don't contribute to CPF at all. That means your take-home pay is simply your gross salary minus income tax, which is why an expat's net pay looks higher than a citizen's on the same salary.
Your income tax then depends on your tax residency. Stay 183 days or more in the year and you're taxed at the resident progressive rates (and can claim reliefs); stay less and you're a non-resident, taxed at the higher of a 15% flat rate or the resident rates.
Citizens and PRs
Citizens and PRs contribute employee CPF (deducted here based on your age and the wage ceiling) and are taxed as residents. New PRs pay lower graduated CPF rates for two years. To dig into the resident case, see the take-home pay and income tax calculators; to plan a property purchase, see the ABSD and mortgage calculators.
Frequently asked questions
Do foreigners pay CPF in Singapore?
No. CPF contributions are only for Singapore Citizens and Permanent Residents. Foreigners working on an Employment Pass, S Pass or Work Permit do not contribute to CPF, so their take-home pay is a larger share of gross salary than a citizen earning the same amount.
Am I a tax resident in Singapore?
Generally you are a tax resident for a year if you are in Singapore for 183 days or more, or are employed here for at least 183 days across two years. Tax residents pay the progressive resident rates (0%–24%) and can claim reliefs. If you stay less than 183 days you are usually a non-resident.
How are non-residents taxed?
A non-resident’s employment income is taxed at a flat 15% (with no personal reliefs) or at the resident progressive rates — whichever produces the higher tax. Director’s fees and certain other income are taxed at 24%. This calculator applies the higher-of-15%-or-resident rule to your salary.
Do Permanent Residents (PRs) pay CPF?
Yes. PRs contribute to CPF, but at lower “graduated” rates during their first two years of PR status before reaching full rates. This calculator uses the full rates for simplicity — a first- or second-year PR will actually take home a little more.
What else should foreigners budget for?
If you buy property, foreigners pay 60% Additional Buyer’s Stamp Duty (ABSD) on top of Buyer’s Stamp Duty — see the ABSD calculator. Foreigners also cannot buy HDB flats. For investing, Singapore Savings Bonds and T-bills are generally open to anyone with a local bank and securities account.